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How to Get a Duplicate Bike Insurance Policy?

Updated On May 13, 2022

Don't be unsure how to get a duplicate insurance copy. Continue reading.

A two-wheeler insurance policy is a vital legal document that spells out the terms and conditions of the insured's relationship with the insurer. In addition, because all two-wheeler riders in India are required to obtain at least third-party insurance, you may be punished if you are caught riding without one. In the case of an accident, you will also be unable to submit a claim if you do not have the proper documents.

How to Get a Duplicate Bike Insurance Policy?

How to Get a Duplicate Bike Insurance Policy?

Follow the steps below to obtain a duplicate copy of your two-wheeler insurance policy:

  • Initiate an FIR

You must first submit a First Information Report (FIR) with the local police station on the loss of the papers. Report the loss of your two-wheeler insurance paperwork to the nearest police station in your region. Include your policy number, the kind of coverage (third-party liability or comprehensive), and any add-ons or riders, if applicable. When you've finished reporting, go to the police station and fill out an application for a copy of the FIR. Obtain an attestation of the copy and submit it to your insurance provider as proof that the papers are missing and that you have reported the loss. When sending the paperwork to the police station, be sure to include the FIR application as well as a copy of the FIR.

  • To Register, Follow these Instructions

Following that, you must request a copy of your two-wheeler insurance policy. Submit a formal request to your insurance carrier, explaining why you need a duplicate two-wheeler insurance coverage. Include the policyholder's name, policy number, date of issue, and kind of policy covered in the application. You should also explain why the insurance policy documents were misplaced. If your insurance policy is held jointly, both you and the other policyholder must sign and submit the application. To obtain a copy of your two-wheeler insurance paperwork, you will also need to send a copy of your FIR with your application.

  • Make a Public Announcement

In the case that your two-wheeler insurance document is lost, you are required by law to place an ad in a major local newspaper announcing the loss of the insurance papers. When posting the advertising, make sure to include the following information:

  • The policyholder's name
  • Number of the insurance policy
  • The insurance company's name
  • The two-registration wheeler's number.

You should cover the complete cost of printing the advertising. After the advertising has been published, you must provide a copy of the published advertisement to the insurance company.

  • Sign a Bond of Indemnity

Finally, you must sign and deliver an indemnification bond to your insurance provider on non-judicial stamp paper. In the bond, you must make a legal and official request for the issuing of a duplicate policy document, as well as declare that you will indemnify the firm in the event of a claim filed by a third party other than you and your nominee. In the event of a combined policy, the indemnity bond must include your complete name and the other policyholder's name, as well as the policy number. The bond must be confirmed in front of a notary and signed in the presence of two witnesses who are not members of the policyholder's family. You must pay a charge as well as a stamp fee to get the indemnification bond. The insurer may additionally need documentation of your financial situation at the time of signing the bond to ensure your capacity to compensate if necessary. The insurance provider will examine and verify the situation after you have properly filed the application. If your application is confirmed to be authentic after verification, the insurer will provide you with a duplicate copy of your two-wheeler insurance policy.

Take Away

I hope this post has given you some insight into what to do if you misplace your bike insurance paperwork. Call your insurer for further information, since each business requires a distinct set of documentation in order to provide duplicate bike insurance coverage. As soon as you become aware of the loss of your bike insurance paperwork, proceed with the procedure.

Also read - Consequences Of Not Having Insurance On A Two-Wheeler


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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